--- title: RCH Consolidation Corner | Auto Enrollment description: Auto Enrollment | Keep up to date on all of the latest industry news with RCH1 --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - [Manage Your RCH IRA Account](https://rch1.com/individuals/manage-your-rch-ira-account) - [Cash Out Calculator](https://rch1.com/individuals/cash-out-calculator) - 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[Roll-In](https://blog.rch1.com/blog/topic/roll-in) - [Safe Harbor IRA](https://blog.rch1.com/blog/topic/safe-harbor-ira) - [Saver's Match](https://blog.rch1.com/blog/topic/savers-match) - [Security](https://blog.rch1.com/blog/topic/security) - [Small Accounts](https://blog.rch1.com/blog/topic/small-accounts) - [Stale Dated Checks](https://blog.rch1.com/blog/topic/stale-dated-checks) - [Synthetic Tenure](https://blog.rch1.com/blog/topic/synthetic-tenure) - [Uncashed Check Services](https://blog.rch1.com/blog/topic/uncashed-check-services) - [Uncashed Distribution Checks](https://blog.rch1.com/blog/topic/uncashed-distribution-checks) - [Video](https://blog.rch1.com/blog/topic/video) - [Webcast](https://blog.rch1.com/blog/topic/webcast) - [What is a Missing Participant?](https://blog.rch1.com/blog/topic/what-is-a-missing-participant) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) Posts about # Auto Enrollment ### Consolidation Corner Blog Consolidation Corner is the Retirement Clearinghouse (RCH) blog, and features the latest articles and bylines from our executives, addressing important retirement savings portability topics. --- Oct 18 2024 ## [ERISA’s Golden Anniversary has Set the Stage for Helping Future Generations Improve Their Retirement Outcomes—in 2025 & Beyond](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) [![FromTheTopv3-01](https://blog.rch1.com/hs-fs/hubfs/Publications/FromTheTopv3-01.png?width=200&height=150&name=FromTheTopv3-01.png)](https://www.benefitnews.com/advisers/opinion/improving-retirement-readiness-beyond-erisa-milestone)On September 2, 1974, President Gerald Ford signed the Employee Retirement Income Security Act (ERISA) into law. Since that time, ERISA has become the regulatory backbone of the retirement services industry. And on September 12, members of the industry, along with legislators, government regulators, and other private and public sector representatives, came together to celebrate ERISA’s golden anniversary in Washington, D.C. My colleagues and I were honored to be among those in attendance. [Read More](https://blog.rch1.com/blog/erisas-golden-anniversary-has-set-the-stage-for-helping-future-generations-improve-their-retirement-outcomes-in-2025-and-beyond) Mar 10 2023 ## [A Renaissance for Auto Enrollment](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) ![AE Renaissance](https://blog.rch1.com/hs-fs/hubfs/AE%20Renaissance.png?width=200&height=133&name=AE%20Renaissance.png)After making great strides following the Pension Protection Act of 2006 (PPA), adoption of auto enrollment has continued to build slowly but steadily in recent years. According to [DOL Form 5500 data](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/public-disclosure/foia/form-5500-datasets), by 2021 the feature has been adopted by plan sponsors housing almost 50% of total 401(k) participant accounts. [Read More](https://blog.rch1.com/blog/a-renaissance-for-auto-enrollment) Feb 08 2021 ## [Missing Participants: Five Important Considerations for Plan Sponsors](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) ![Missing\_Carton\_Five\_Considerations](https://blog.rch1.com/hs-fs/hubfs/Missing_Carton_Five_Considerations.png?width=200&name=Missing_Carton_Five_Considerations.png)The problem of [missing participants](https://rch1.com/missing-participants) in employer-sponsored retirement plans is one of the most important, yet perplexing issues facing plan sponsors, and for good reason. Ensuring that participants (or their beneficiaries) receive their benefits is the essence of an employer’s fiduciary responsibility – and missing or unresponsive participants who become separated from those benefits can generate significant risks for plan fiduciaries. [Read More](https://blog.rch1.com/blog/missing-participants-five-important-considerations-for-plan-sponsors) Feb 25 2020 ## [New Research Confirms Clear Shift Towards Plan-to-Plan Portability](https://blog.rch1.com/blog/new-research-confirms-clear-shift-towards-plan-to-plan-portability) ![Shift New Research Confirms Clear Shift Towards Plan-to-Plan Portability](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/shift.jpg?width=200&name=shift.jpg)Increasingly, 401(k) plans have become more-and-more “institutionalized” – reflected by an increased level of sophistication in investment options, coupled with a downward trend in fees.  [Read More](https://blog.rch1.com/blog/new-research-confirms-clear-shift-towards-plan-to-plan-portability) Nov 26 2018 ## [Auto Portability is Like Bacon—It Makes Everything Better](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) ![Bacon](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Consolidation_Corner/Bacon_Sizzling.png?width=200&name=Bacon_Sizzling.png)When auto enrollment was widely adopted under the Pension Protection Act of 2006, it was a well-intentioned idea for helping Americans save more for retirement. But in this case, what seemed like the perfect recipe for increasing retirement savings for hardworking Americans was missing a key ingredient. [Read More](https://blog.rch1.com/blog/auto-portability-is-like-bacon-it-makes-everything-better) Aug 09 2018 ## [The Next Big Advancement for the 401(k)](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=200&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/the-next-big-advancement-for-the-401k) Although the 401(k) is today the primary retirement-savings vehicle for many hardworking Americans, it can be easy to forget that the 401(k) is still a relatively new phenomenon. [Read More](https://blog.rch1.com/blog/the-next-big-advancement-for-the-401k) Mar 13 2018 ## [New Insights into the Problem of Missing Participants](https://blog.rch1.com/blog/new-insights-into-the-problem-of-missing-participants) ![New Insights into the Problem of Missing Participants](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Missing_Carton_Mag_Glass_alpha.png?width=200&name=Missing_Carton_Mag_Glass_alpha.png "New Insights into the Problem of Missing Participants")Today, [Boston Research Technologies](http://www.bostonrt.com/Nevada/) (BRT) and [Retirement Clearinghouse](https://rch1.com) (RCH) issued a [joint press release](https://rch1.com/news-and-announcements/press-releases/firstofitskind-survey-sheds-new-light-on-missing-participant-problem) announcing the key findings from a survey examining the retirement industry’s [missing participant](https://rch1.com/missing-participants) problem.  The survey, [The Mobile Workforce’s Missing Participant Problem](https://info.rch1.com/missing-participant-survey), is the first to examine the problem from the perspective of the participant and offers unique insights into its various dimensions. [Read More](https://blog.rch1.com/blog/new-insights-into-the-problem-of-missing-participants) Feb 23 2018 ## [A New Solution to Tackle the Old Problem of Missing Participants](https://blog.rch1.com/blog/a-new-solution-to-tackle-the-old-problem-of-missing-participants) [![Employee Benefit News](https://blog.rch1.com/hs-fs/hubfs/Publications/EBN/ebnimage.jpg?width=178&name=ebnimage.jpg "Employee Benefit News")](https://www.benefitnews.com/opinion/a-new-solution-to-tackle-the-old-problem-of-missing-401-k-s)Despite differences big and small, all retirement plan sponsors and record-keepers experience at least one common problem—the seemingly intractable incidence of participants who have left behind small accounts in the plans sponsored by their former employers and failed to update their address when they subsequently change residence, a.k.a. [missing participants](https://www.benefitnews.com/opinion/how-to-reunite-employees-with-their-old-401-k-accounts). [Read More](https://blog.rch1.com/blog/a-new-solution-to-tackle-the-old-problem-of-missing-participants) Oct 25 2017 ## [In Search Of: Guidance for Locating Missing Participants](https://blog.rch1.com/blog/in-search-of-guidance-for-locating-missing-participants) ![In Search of Guidance](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/In_Search_of_Guidance.png?width=200&name=In_Search_of_Guidance.png "In Search of Guidance")Two weeks ago, I authored an [article](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) applauding the [American Benefits Council](https://www.americanbenefitscouncil.org/) for their [October 2nd, 2017 letter](https://www.americanbenefitscouncil.org/pub/?id=d68a50ca-908c-9e37-d53d-3111689f91ff) to the [Department of Labor (DOL)](https://www.dol.gov), which clearly identified the root causes of missing participants: a [highly-mobile workforce](https://info.rch1.com/mobileworkforce) and a lack of retirement savings portability. Extending the Council’s insight, I maintained that what’s really “missing” in our defined contribution system are initiatives that move retirement savings forward when participants change jobs, such as [auto portability](http://www.rch1.com/auto-portability). When implemented, these initiatives could serve to dramatically decrease the overall incidence of [missing participants](https://www.rch1.com/missing-participants). [Read More](https://blog.rch1.com/blog/in-search-of-guidance-for-locating-missing-participants) Oct 13 2017 ## [Bringing Clarity to the Murky Problem of Missing Participants](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) ![The Murkey Problem of Missing Participants](https://blog.rch1.com/hs-fs/hubfs/Set_Up_Images/Other_Generic_Images/Murky_Missing_PPTs.png?width=200&name=Murky_Missing_PPTs.png "The Murkey Problem of Missing Participants")On October 2nd, 2017, the [American Benefits Council](https://www.americanbenefitscouncil.org/) delivered a [letter](https://www.americanbenefitscouncil.org/pub/?id=d68a50ca-908c-9e37-d53d-3111689f91ff) to the [Department of Labor](https://www.dol.gov/) (DoL), urging the DoL to act on the problem of unresponsive or [missing participants](https://www.rch1.com/missing-participants), an issue that has proven to be a significant point-of-pain for plan sponsors. [Read More](https://blog.rch1.com/blog/bringing-clarity-to-the-murky-problem-of-missing-participants) Page: ‹ [1](https://blog.rch1.com/blog) [2](https://blog.rch1.com/blog/topic/auto-enrollment/page/2) [›](https://blog.rch1.com/blog/topic/auto-enrollment/page/2) [Tweets by @RCHConsolidate](https://twitter.com/RCHConsolidate) - [Blog](https://blog.rch1.com/blog) - [401k Cash Outs](https://blog.rch1.com/blog/topic/401k-cash-outs) - [401k Consolidation](https://blog.rch1.com/blog/topic/401k-consolidation) - [401k Plan Termination](https://blog.rch1.com/blog/topic/401k-plan-termination) - [America's Mobile Workforce](https://blog.rch1.com/blog/topic/americas-mobile-workforce) - [Assisted Roll-in](https://blog.rch1.com/blog/topic/assisted-roll-in) - [Auto Enrollment](https://blog.rch1.com/blog/topic/auto-enrollment) - [Auto Portability](https://blog.rch1.com/blog/topic/auto-portability) - [Auto Portability Simulation](https://blog.rch1.com/blog/topic/auto-portability-simulation) - [Automatic Roll-In](https://blog.rch1.com/blog/topic/automatic-roll-in) - 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